{"id":10391,"date":"2026-09-21T19:27:31","date_gmt":"2026-09-21T11:27:31","guid":{"rendered":"https:\/\/www.moneythor.com\/?p=10391"},"modified":"2026-09-21T19:43:40","modified_gmt":"2026-09-21T11:43:40","slug":"%e9%8a%80%e8%a1%8c%e9%a1%a7%e5%ae%a2%e3%82%a8%e3%83%b3%e3%82%b2%e3%83%bc%e3%82%b8%e3%83%a1%e3%83%b3%e3%83%88%e3%81%ae%e3%82%bf%e3%82%a4%e3%83%9f%e3%83%b3%e3%82%b0%e5%95%8f%e9%a1%8c","status":"publish","type":"post","link":"https:\/\/www.moneythor.com\/jp\/%e3%83%96%e3%83%ad%e3%82%b0\/%e9%8a%80%e8%a1%8c%e9%a1%a7%e5%ae%a2%e3%82%a8%e3%83%b3%e3%82%b2%e3%83%bc%e3%82%b8%e3%83%a1%e3%83%b3%e3%83%88%e3%81%ae%e3%82%bf%e3%82%a4%e3%83%9f%e3%83%b3%e3%82%b0%e5%95%8f%e9%a1%8c\/","title":{"rendered":"\u9280\u884c\u306f\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3\u3092\u30bf\u30a4\u30e0\u30ea\u30fc\u306b\u5c55\u958b\u3059\u308b\u524d\u306b\u3001\u305d\u308c\u3092\u62e1\u5927\u3057\u305f"},"content":{"rendered":"<p dir=\"ltr\">Somewhere over the past few years, the argument about personalised engagement in retail banking quietly stopped being an argument. Asked what will separate the successful banks over the next three years, the leaders who took part in the research Moneythor conducted with <a href=\"https:\/\/www.fintechfutures.com\/retail-banking\/white-paper-closing-the-gap-between-customer-expectations-ai-strategy-and-personalisation-in-retail-banking\">FinTech Futures<\/a> put digital speed and convenience first, on 39%, with personalised engagement close behind at 20%. Competitive pricing and fees, which for most of the industry&#8217;s history would have led a list like that without much difficulty, came third on 16%.<\/p>\n<p 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dir=\"ltr\">\u7814\u7a76\u7d50\u679c\u304b\u3089\u5224\u65ad\u3059\u308b\u3068\u3001\u3053\u306e\u88fd\u54c1\u306b\u6b20\u3051\u3066\u3044\u308b\u306e\u306f\u3001\u3044\u3064\u305d\u308c\u304c\u8d77\u3053\u308b\u304b\u3092\u5236\u5fa1\u3059\u308b\u80fd\u529b\u3067\u3042\u308b\u3002.<\/p>\n<h2 dir=\"ltr\">\u6642\u8a08\u306f2\u3064\u3042\u308b\u304c\u3001\u7ba1\u7406\u3055\u308c\u3066\u3044\u308b\u306e\u306f\u305d\u306e\u3046\u3061\u306e1\u3064\u3060\u3051\u3067\u3042\u308b\u3002<\/h2>\n<p dir=\"ltr\">\u9280\u884c\u306b\u304a\u3051\u308b\u9867\u5ba2\u3068\u306e\u95a2\u4fc2\u306f\u3001\u305d\u308c\u305e\u308c\u5168\u304f\u7570\u306a\u308b\u4e8c\u3064\u306e\u6642\u9593\u8ef8\u3067\u52d5\u3044\u3066\u304a\u308a\u3001\u305d\u308c\u3089\u306f\u307b\u3068\u3093\u3069\u4e92\u3044\u306b\u95a2\u9023\u6027\u304c\u306a\u3044\u3002.<\/p>\n<p 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dir=\"ltr\">2\u3064\u76ee\u306e\u6642\u8a08\u306f\u77ed\u304f\u3001\u76ee\u7acb\u305f\u306a\u3044\u3002\u305d\u308c\u306f\u3001\u9867\u5ba2\u306e\u4eba\u751f\u306b\u304a\u3044\u3066\u7d4c\u6e08\u7684\u306b\u91cd\u8981\u306a\u51fa\u6765\u4e8b\u304c\u8d77\u3053\u3063\u305f\u3068\u304d\u306b\u59cb\u307e\u308a\u3001\u9280\u884c\u304c\u305d\u308c\u306b\u5bfe\u3057\u3066\u4f55\u3089\u304b\u306e\u6709\u76ca\u306a\u884c\u52d5\u3092\u8d77\u3053\u3057\u305f\u3068\u304d\u306b\u7d42\u308f\u308b\u3002\u7d66\u6599\u304c\u3044\u3064\u3082\u3088\u308a1\u9031\u9593\u9045\u308c\u3066\u5165\u91d1\u3055\u308c\u308b\u3002\u30b9\u30c8\u30ea\u30fc\u30df\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u306e\u8cfc\u8aad\u6599\u304c\u6628\u5e74\u306e\u307b\u307c2\u500d\u306e\u4fa1\u683c\u3067\u66f4\u65b0\u3055\u308c\u308b\u3002\u6b8b\u9ad8\u304c\u3001\u304a\u91d1\u304c\u305d\u3053\u306b\u3042\u308b\u304b\u3069\u3046\u304b\u306b\u95a2\u308f\u3089\u305a\u6728\u66dc\u65e5\u306b\u6c7a\u6e08\u3055\u308c\u308b\u81ea\u52d5\u5f15\u304d\u843d\u3068\u3057\u306e\u91d1\u984d\u306b\u8fd1\u3065\u3044\u3066\u3044\u308b\u3002\u521d\u3081\u3066\u6d77\u5916\u3067\u30ab\u30fc\u30c9\u304c\u4f7f\u308f\u308c\u308b\u3002\u3053\u308c\u3089\u306f\u3059\u3079\u3066\u3001\u9280\u884c\u304c\u771f\u306b\u5f79\u7acb\u3064\u3053\u3068\u304c\u3067\u304d\u308b\u77ac\u9593\u3067\u3042\u308a\u3001\u305d\u308c\u305e\u308c\u306b\u671f\u9650\u304c\u3042\u308b\u3002.<\/p>\n<p 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dir=\"ltr\">\u56de\u7b54\u8005\u306b\u3001\u73fe\u4ee3\u306e\u9867\u5ba2\u306e\u671f\u5f85\u306b\u5bfe\u3057\u3066\u6700\u3082\u5f31\u3044\u70b9\u306f\u4f55\u304b\u3068\u5c0b\u306d\u305f\u3068\u3053\u308d\u30013\u3064\u306e\u9818\u57df\u304c\u6319\u3052\u3089\u308c\u307e\u3057\u305f\u300230%\u306b\u304a\u3051\u308b\u4e00\u8cab\u3057\u305f\u30aa\u30e0\u30cb\u30c1\u30e3\u30cd\u30eb\u4f53\u9a13\u300123%\u306b\u304a\u3051\u308b\u95a2\u9023\u6027\u306e\u3042\u308b\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30ba\u3055\u308c\u305f\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u3001\u305d\u3057\u306622%\u306b\u304a\u3051\u308b\u7a4d\u6975\u7684\u306a\u91d1\u878d\u30ac\u30a4\u30c0\u30f3\u30b9\u3067\u3059\u3002\u307b\u3068\u3093\u3069\u306e\u9280\u884c\u3067\u306f\u3001\u3053\u308c\u3089\u306f\u7570\u306a\u308b\u62c5\u5f53\u8005\u3001\u7570\u306a\u308b\u30ed\u30fc\u30c9\u30de\u30c3\u30d7\u3001\u7570\u306a\u308b\u4e88\u7b97\u3067\u7ba1\u7406\u3055\u308c\u3066\u3044\u307e\u3059\u3002.<\/p>\n<p 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dir=\"ltr\">\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3\u306f\u3001\u305d\u306e\u62e1\u5927\u901f\u5ea6\u3088\u308a\u3082\u52a0\u901f\u7684\u306b\u5e83\u304c\u3063\u3066\u3044\u308b\u3002<\/h2>\n<p dir=\"ltr\">\u8abf\u67fb\u7d50\u679c\u306b\u304a\u3051\u308b\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3\u306e\u6570\u5024\u306f\u3001\u7269\u8a9e\u5f62\u5f0f\u306e\u8abf\u67fb\u7d50\u679c\u3067\u306f\u6349\u3048\u304d\u308c\u306a\u3044\u70b9\u3092\u660e\u78ba\u306b\u793a\u3057\u3066\u3044\u308b\u3002AI\u3084\u9ad8\u5ea6\u306a\u5206\u6790\u3092\u7528\u3044\u3066\u9867\u5ba2\u3068\u306e\u3084\u308a\u53d6\u308a\u306e\u5e73\u574738%\u304c\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30ba\u3055\u308c\u3066\u3044\u308b\u304c\u3001\u3053\u308c\u306f\u4e00\u898b\u6709\u671b\u306a\u6570\u5b57\u306b\u601d\u3048\u308b\u3082\u306e\u306e\u3001\u305d\u306e\u5185\u8a33\u3092\u898b\u308b\u3068\u305d\u3046\u3067\u306f\u306a\u3044\u3053\u3068\u304c\u308f\u304b\u308b\u3002.<\/p>\n<ul dir=\"ltr\">\n<li>48%\u306e\u9280\u884c\u304c\u30bf\u30fc\u30b2\u30c3\u30c8\u3092\u7d5e\u3063\u305f\u30aa\u30d5\u30a1\u30fc\u3084\u30e1\u30c3\u30bb\u30fc\u30b8\u30f3\u30b0\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b<\/li>\n<li>29%\u306f\u3001\u91cd\u8981\u306a\u9867\u5ba2\u63a5\u70b9\u306b\u304a\u3044\u3066\u72b6\u6cc1\u306b\u5fdc\u3058\u305f\u30a4\u30f3\u30bf\u30e9\u30af\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3059\u308b<\/li>\n<li>8%\u306f\u3001\u307b\u3068\u3093\u3069\u306e\u30bf\u30c3\u30c1\u30dd\u30a4\u30f3\u30c8\u306b\u304a\u3044\u3066\u9ad8\u5ea6\u306b\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30ba\u3055\u308c\u305f\u65c5\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002<\/li>\n<li>6%\u306f\u5b8c\u5168\u306b\u500b\u5225\u5316\u3055\u308c\u305f\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u4f53\u9a13\u3092\u5b9f\u73fe\u3057\u307e\u3057\u305f<\/li>\n<\/ul>\n<p dir=\"ltr\">\u30ea\u30b9\u30c8\u3092\u4e0b\u3063\u3066\u3044\u304f\u3068\u3001\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3\u306f\u6b21\u7b2c\u306b\u30bf\u30a4\u30e0\u30ea\u30fc\u306b\u306a\u308a\u3001\u540c\u6642\u306b\u307e\u3059\u307e\u3059\u7a00\u306a\u3082\u306e\u306b\u306a\u3063\u3066\u3044\u304f\u3002\u30bf\u30fc\u30b2\u30c3\u30c8\u3092\u7d5e\u3063\u305f\u30e1\u30c3\u30bb\u30fc\u30b8\u30f3\u30b0\u306f\u3001\u30b0\u30eb\u30fc\u30d7\u306b\u5bfe\u3057\u3066\u4e8b\u524d\u306b\u6c7a\u5b9a\u3092\u4e0b\u3059\u3082\u306e\u3067\u3042\u308b\u3002\u30b3\u30f3\u30c6\u30ad\u30b9\u30c8\u8a8d\u8b58\u306f\u3001\u9867\u5ba2\u304c\u63a5\u89e6\u6642\u70b9\u3067\u3069\u3053\u306b\u3044\u308b\u304b\u3092\u628a\u63e1\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u3002\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u306e\u500b\u5225\u5316\u3068\u306f\u3001\u6c7a\u5b9a\u3092\u305d\u306e\u5834\u3067\u5373\u5ea7\u306b\u884c\u3044\u3001\u4e8b\u524d\u306b\u6c7a\u5b9a\u3092\u898b\u76f4\u3059\u6a5f\u4f1a\u304c\u306a\u3044\u3053\u3068\u3092\u610f\u5473\u3059\u308b\u3002.<\/p>\n<p dir=\"ltr\">\u30ab\u30d0\u30ec\u30c3\u30b8\u306f\u5e38\u306b\u6bd4\u8f03\u7684\u5bb9\u6613\u306b\u6539\u5584\u3067\u304d\u308b\u8ef8\u3067\u3042\u308a\u3001\u305d\u308c\u3092\u6700\u521d\u306b\u52d5\u304b\u3059\u306e\u306f\u52c7\u6c17\u306e\u6b20\u5982\u3067\u306f\u306a\u304f\u3001\u3080\u3057\u308d\u5408\u7406\u7684\u306a\u9806\u5e8f\u3060\u3063\u305f\u3002\u3057\u304b\u3057\u3001\u305d\u306e\u9650\u754c\u306f\u3001\u307b\u3068\u3093\u3069\u306e\u30ed\u30fc\u30c9\u30de\u30c3\u30d7\u304c\u60f3\u5b9a\u3059\u308b\u3088\u308a\u3082\u65e9\u304f\u8a2a\u308c\u308b\u3002.<\/p>\n<p dir=\"ltr\">AI\u306e\u5c0e\u5165\u3082\u307b\u307c\u540c\u3058\u8ad6\u7406\u3067\u9032\u3093\u3067\u3044\u307e\u3059\u3002\u73fe\u5728\u3001AI\u306f\u4e3b\u306b\u30d0\u30c3\u30af\u30aa\u30d5\u30a3\u30b9\u696d\u52d9\u306e\u81ea\u52d5\u5316\u3001\u4e0d\u6b63\u691c\u51fa\u3001\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\u5bfe\u7b56\u306e\u76e3\u8996\u3001\u30b5\u30dd\u30fc\u30c8\u30c1\u30e3\u30c3\u30c8\u30dc\u30c3\u30c8\u3068\u3044\u3063\u305f\u3001\u6642\u9593\u306b\u4f59\u88d5\u304c\u3042\u308a\u3001\u9280\u884c\u5185\u3067\u5b8c\u7d50\u3059\u308b\u6a5f\u80fd\u306b\u6d3b\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u3002AI\u5c0e\u5165\u306b\u304a\u3044\u3066\u5e02\u5834\u30ea\u30fc\u30c0\u30fc\u3067\u3042\u308b\u3068\u81ea\u8a8d\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u306f\u308f\u305a\u304b81%\u3067\u3001\u56de\u7b54\u8005\u306e\u5e73\u5747\u3067\u306f\u3001\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306e\u6f6e\u6d41\u306b\u7d041.9\u5e74\u9045\u308c\u3066\u3044\u308b\u3068\u63a8\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u4e00\u65b9\u3001\u9867\u5ba2\u306f\u5f85\u3064\u3053\u3068\u306b\u540c\u610f\u3057\u3066\u304a\u3089\u305a\u300142%\u306e\u9867\u5ba2\u306f\u65e2\u306b\u9280\u884c\u304c\u63d0\u4f9b\u3059\u308b\u30c7\u30b8\u30bf\u30eb\u30c1\u30e3\u30cd\u30eb\u3067AI\u3092\u6d3b\u7528\u3057\u305f\u3084\u308a\u53d6\u308a\u3092\u671f\u5f85\u3057\u3066\u3044\u307e\u3059\u3002.<\/p>\n<h2 dir=\"ltr\">\u30ea\u30b9\u30af\u8a08\u7b97\u306f\u9759\u304b\u306b\u9006\u8ee2\u3057\u305f<\/h2>\n<p dir=\"ltr\">\u56de\u7b54\u8005\u306e3\u5206\u306e2\uff0867%\uff09\u306f\u3001\u9867\u5ba2\u306e\u671f\u5f85\u306b\u5fdc\u3048\u308b\u306e\u304c\u9045\u3059\u304e\u308b\u30ea\u30b9\u30af\u306f\u3001\u9593\u9055\u3063\u305f\u6280\u8853\u3092\u9078\u629e\u3059\u308b\u30ea\u30b9\u30af\u3088\u308a\u3082\u5927\u304d\u3044\u3068\u8003\u3048\u3066\u3044\u308b\u300210\u5e74\u524d\u306f\u3001\u4e0d\u5b89\u306f\u6b63\u53cd\u5bfe\u3067\u3001\u9593\u9055\u3063\u305f\u6280\u8853\u3092\u9078\u629e\u3057\u3001\u305d\u308c\u3092\u4f55\u5e74\u3082\u4f7f\u3044\u7d9a\u3051\u308b\u3053\u3068\u306e\u5371\u967a\u6027\u306b\u5411\u3051\u3089\u308c\u3066\u3044\u305f\u3002.<\/p>\n<p dir=\"ltr\">\u4e21\u65b9\u306e\u6642\u8a08\u304c\u898b\u3048\u308b\u3088\u3046\u306b\u306a\u308c\u3070\u3001\u305d\u306e\u9006\u8ee2\u73fe\u8c61\u306f\u3088\u308a\u7406\u89e3\u3057\u3084\u3059\u304f\u306a\u308b\u3002\u5236\u7d04\u6761\u4ef6\u304c\u30ab\u30d0\u30ec\u30c3\u30b8\u3067\u3042\u308c\u3070\u3001\u7740\u5b9f\u306a\u30da\u30fc\u30b9\u3067\u9032\u3081\u308b\u3053\u3068\u306f\u59a5\u5f53\u3067\u3042\u308b\u3002\u306a\u305c\u306a\u3089\u3001\u30ab\u30d0\u30ec\u30c3\u30b8\u306f\u84c4\u7a4d\u3055\u308c\u30011\u5e74\u306e\u9045\u308c\u306f\u6982\u306d1\u5e74\u5206\u306e\u9032\u6357\u306e\u640d\u5931\u3068\u306a\u308b\u304b\u3089\u3060\u3002\u5236\u7d04\u6761\u4ef6\u304c\u30bf\u30a4\u30df\u30f3\u30b0\u3067\u3042\u308c\u3070\u3001\u8a08\u7b97\u306f\u5909\u308f\u308b\u3002\u6709\u7528\u306a\u5fdc\u7b54\u304c\u306a\u3044\u307e\u307e\u904e\u304e\u53bb\u308b\u77ac\u9593\u306f\u3059\u3079\u3066\u3001\u95a2\u4fc2\u304c\u6df1\u307e\u3089\u306a\u304b\u3063\u305f\u77ac\u9593\u3067\u3042\u308a\u3001\u305d\u3046\u3057\u305f\u77ac\u9593\u306f\u5f8c\u3067\u5fdc\u7b54\u3055\u308c\u308b\u306e\u3092\u5f85\u3064\u3088\u3046\u306b\u84c4\u7a4d\u3055\u308c\u308b\u3053\u3068\u306f\u306a\u3044\u304b\u3089\u3060\u3002.<\/p>\n<p dir=\"ltr\">\u307e\u305f\u3001\u3053\u306e\u8abf\u67fb\u7d50\u679c\u306f\u3001\u73fe\u72b6\u7dad\u6301\u306b\u7518\u3093\u3058\u3066\u3044\u308b\u3068\u89e3\u91c8\u3055\u308c\u304c\u3061\u306a\u70b9\u306b\u3082\u3001\u65b0\u305f\u306a\u8996\u70b9\u3092\u4e0e\u3048\u3066\u3044\u308b\u3002\u56de\u7b54\u8005\u306e\u7d04541\uff05\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u30e2\u30c7\u30eb\u3092\u6839\u672c\u7684\u306b\u5909\u3048\u308b\u3053\u3068\u306a\u304f\u3001\u4eca\u5f8c3\u5e74\u9593\u3067\u5c0f\u58f2\u9867\u5ba2\u6307\u6a19\u3092\u6539\u5584\u3067\u304d\u308b\u3068\u8003\u3048\u3066\u3044\u308b\u4e00\u65b9\u3001651\uff05\u306f\u3001\u671f\u5f85\u304c\u6e80\u305f\u3055\u308c\u306a\u3051\u308c\u3070\u9867\u5ba2\u304c2\u5e74\u4ee5\u5185\u306b\u9280\u884c\u3092\u4e57\u308a\u63db\u3048\u308b\u3068\u4e88\u60f3\u3057\u3066\u3044\u308b\u3002\u3053\u306e2\u3064\u306e\u7acb\u5834\u306f\u3001\u30ab\u30d0\u30ec\u30c3\u30b8\u306b\u554f\u984c\u3092\u62b1\u3048\u308b\u9280\u884c\u306b\u3068\u3063\u3066\u306f\u5b8c\u5168\u306b\u6574\u5408\u6027\u304c\u3042\u308b\u3002\u3057\u304b\u3057\u3001\u30bf\u30a4\u30df\u30f3\u30b0\u306b\u554f\u984c\u3092\u62b1\u3048\u308b\u9280\u884c\u306b\u3068\u3063\u3066\u306f\u305d\u3046\u3067\u306f\u306a\u3044\u3002\u306a\u305c\u306a\u3089\u3001\u30d0\u30c3\u30c1\u51e6\u7406\u3092\u3069\u308c\u3060\u3051\u62e1\u5f35\u3057\u3066\u3082\u3001\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u306e\u610f\u601d\u6c7a\u5b9a\u306f\u5b9f\u73fe\u3057\u306a\u3044\u304b\u3089\u3060\u3002\u3069\u3061\u3089\u306e\u7acb\u5834\u304c\u7279\u5b9a\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u5f53\u3066\u306f\u307e\u308b\u306e\u304b\u3092\u3001\u5f8c\u304b\u3089\u767a\u898b\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u610f\u56f3\u7684\u306b\u78ba\u7acb\u3059\u308b\u4fa1\u5024\u304c\u3042\u308b\u3060\u308d\u3046\u304b\u3002.<\/p>\n<h2 dir=\"ltr\">\u91d1\u878d\u30a4\u30d9\u30f3\u30c8\u3068\u6709\u7528\u306a\u5bfe\u5fdc\u306e\u9593\u306b\u306f\u4f55\u304c\u3042\u308b\u306e\u304b<\/h2>\n<p dir=\"ltr\">\u3053\u306e\u8ddd\u96e2\u3092\u3042\u308b\u7a0b\u5ea6\u7e2e\u3081\u305f\u9280\u884c\u306b\u3068\u3063\u3066\u3001\u91cd\u8981\u306a\u306e\u306f\u652f\u51fa\u3092\u5897\u3084\u3059\u3053\u3068\u3067\u306f\u306a\u304f\u3001\u4f55\u304b\u304c\u8d77\u3053\u3063\u3066\u304b\u3089\u305d\u308c\u306b\u3064\u3044\u3066\u4f55\u304b\u304c\u8a00\u308f\u308c\u308b\u307e\u3067\u306e\u30ae\u30e3\u30c3\u30d7\u3092\u7e2e\u3081\u308b\u3053\u3068\u3060\u3063\u305f\u3002.<\/p>\n<p dir=\"ltr\">\u30a8\u30f3\u30ea\u30c3\u30c1\u30e1\u30f3\u30c8\u306f\u5730\u5473\u306a\u90e8\u5206\u3092\u62c5\u5f53\u3057\u307e\u3059\u3002\u751f\u306e\u53d6\u5f15\u660e\u7d30\u306f\u3001\u305d\u308c\u304c\u8a8d\u8b58\u3055\u308c\u305f\u52a0\u76df\u5e97\u3001\u30ab\u30c6\u30b4\u30ea\u3001\u5b9a\u671f\u8cfc\u8aad\u3001\u307e\u305f\u306f\u7d66\u4e0e\u632f\u8fbc\u306b\u89e3\u6c7a\u3055\u308c\u308b\u307e\u3067\u306f\u307b\u3068\u3093\u3069\u610f\u5473\u304c\u306a\u304f\u3001\u4e0b\u6d41\u306e\u3059\u3079\u3066\u306e\u30d7\u30ed\u30bb\u30b9\u306f\u305d\u306e\u89e3\u6c7a\u306e\u8cea\u3092\u7d99\u627f\u3057\u307e\u3059\u3002\u30af\u30ea\u30c3\u30af\u6570\u3084\u4eba\u53e3\u7d71\u8a08\u306b\u57fa\u3065\u3044\u3066\u69cb\u7bc9\u3055\u308c\u305f\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u304c\u9280\u884c\u696d\u52d9\u3067\u82e6\u6226\u3059\u308b\u50be\u5411\u304c\u3042\u308b\u306e\u3082\u3001\u3053\u308c\u304c\u7406\u7531\u3067\u3059\u3002\u3053\u308c\u3089\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u3001\u91d1\u878d\u884c\u52d5\u3092\u8aad\u307f\u53d6\u308b\u3088\u3046\u306b\u8a2d\u8a08\u3055\u308c\u3066\u3044\u307e\u305b\u3093\u3002\u610f\u601d\u6c7a\u5b9a\u306f\u3001\u9867\u5ba2\u304c\u524d\u56db\u534a\u671f\u306b\u5272\u308a\u5f53\u3066\u3089\u308c\u305f\u30bb\u30b0\u30e1\u30f3\u30c8\u3067\u306f\u306a\u304f\u3001\u30a2\u30ab\u30a6\u30f3\u30c8\u3067\u6700\u8fd1\u767a\u751f\u3057\u305f\u51fa\u6765\u4e8b\u306b\u57fa\u3065\u3044\u3066\u3001\u3053\u306e\u7279\u5b9a\u306e\u9867\u5ba2\u306b\u4eca\u4f55\u3092\u4f1d\u3048\u308b\u3079\u304d\u304b\u3092\u6c7a\u5b9a\u3057\u307e\u3059\u3002\u30aa\u30fc\u30b1\u30b9\u30c8\u30ec\u30fc\u30b7\u30e7\u30f3\u306f\u3001\u305d\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u304c\u307e\u3060\u7a7a\u3044\u3066\u3044\u308b\u3046\u3061\u306b\u3001\u9867\u5ba2\u304c\u65e2\u306b\u5229\u7528\u3057\u3066\u3044\u308b\u30c1\u30e3\u30cd\u30eb\u306b\u60c5\u5831\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002.<\/p>\n<p dir=\"ltr\">\u3053\u308c\u3089\u3092\u7dcf\u5408\u3059\u308b\u3068\u3001\u30de\u30cd\u30fc\u30bd\u30fc\u304c\u300c\u30c7\u30a3\u30fc\u30d7\u30d0\u30f3\u30ad\u30f3\u30b0\u300d\u3068\u547c\u3076\u3082\u306e\u306f\u3001\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3\u3092\u5dee\u5225\u5316\u8981\u56e0\u3067\u306f\u306a\u304f\u57fa\u672c\u8981\u7d20\u3068\u3057\u3066\u6349\u3048\u3001\u53d7\u52d5\u7684\u306b\u5bfe\u5fdc\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u80fd\u52d5\u7684\u306b\u9867\u5ba2\u3092\u4e88\u6e2c\u3057\u3001\u53d6\u5f15\u3092\u8d85\u3048\u3066\u5831\u916c\u3001\u7d39\u4ecb\u3001\u30ed\u30a4\u30e4\u30eb\u30c6\u30a3\u3078\u3068\u7e4b\u304c\u308b\u4fa1\u5024\u3092\u63d0\u4f9b\u3059\u308b\u3001\u3068\u3044\u3046\u3053\u3068\u3067\u3042\u308b\u3002.<\/p>\n<p dir=\"ltr\">\u8abf\u67fb\u306b\u3088\u308b\u3068\u3001\u9280\u884c\u306f\u3053\u308c\u3092\u81ea\u5f8b\u7684\u3067\u306f\u306a\u304f\u7d71\u5236\u3055\u308c\u305f\u72b6\u614b\u306b\u3057\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u308b\u3053\u3068\u304c\u660e\u3089\u304b\u3067\u3042\u308a\u3001\u3053\u308c\u306f\u898f\u5236\u696d\u754c\u306b\u304a\u3044\u3066\u306f\u6b63\u3057\u3044\u672c\u80fd\u3067\u3042\u308b\u3002\u4e00\u90e8\u306e\u9280\u884c\u306f\u3001AI\u304c\u4e8b\u524d\u627f\u8a8d\u3055\u308c\u305f\u30ac\u30fc\u30c9\u30ec\u30fc\u30eb\u5185\u3067\u9867\u5ba2\u4f53\u9a13\u3092\u8abf\u6574\u3059\u308b\u3053\u3068\u306b\u62b5\u6297\u304c\u306a\u304f\u3001271\u9280\u884c\u306f\u3001AI\u304c\u4eba\u9593\u304c\u627f\u8a8d\u3059\u308b\u305f\u3081\u306e\u6b21\u5584\u306e\u884c\u52d5\u3092\u63a8\u5968\u3059\u308b\u3053\u3068\u306b\u62b5\u6297\u304c\u306a\u3044\u3002\u63d0\u4f9b\u65b9\u6cd5\u306e\u597d\u307f\u3082\u540c\u69d8\u306e\u50be\u5411\u3092\u793a\u3057\u3066\u304a\u308a\u3001531\u9280\u884c\u306f\u3001\u30b5\u30fc\u30c9\u30d1\u30fc\u30c6\u30a3\u306e\u5b9f\u88c5\u304c\u3053\u308c\u307e\u3067\u6700\u3082\u6210\u529f\u3057\u305f\u7d50\u679c\u3092\u751f\u307f\u51fa\u3057\u3066\u304d\u305f\u3068\u5831\u544a\u3057\u3001281\u9280\u884c\u306f\u3001\u30d1\u30fc\u30c8\u30ca\u30fc\u3092\u9078\u629e\u3059\u308b\u969b\u306e\u6700\u91cd\u8981\u57fa\u6e96\u3068\u3057\u3066\u7d71\u5408\u306e\u67d4\u8edf\u6027\u3092\u6319\u3052\u3066\u3044\u308b\u3002.<\/p>\n<p dir=\"ltr\">\u3053\u306e\u30ec\u30a4\u30e4\u30fc\u304c\u5c0e\u5165\u3055\u308c\u3066\u3044\u308b\u5834\u6240\u3067\u306f\u3001\u305d\u306e\u6210\u679c\u306f\u6e2c\u5b9a\u53ef\u80fd\u3067\u3059\u3002Moneythor\u306e\u9867\u5ba2\u306f\u3001\u30a2\u30af\u30c6\u30a3\u30d6\u9867\u5ba2\u6570\u304c\u5e73\u574725%\u5897\u52a0\u3057\u3001\u8caf\u84c4\u9810\u91d1\u304c\u6700\u59272.5\u500d\u306b\u5897\u52a0\u3057\u305f\u3068\u5831\u544a\u3057\u3066\u3044\u307e\u3059\u3002. <a href=\"https:\/\/www.moneythor.com\/jp\/%e4%bc%9a%e7%a4%be\/moneythor-%e3%82%af%e3%83%a9%e3%82%a4%e3%82%a2%e3%83%b3%e3%83%88-%e3%82%b9%e3%83%88%e3%83%bc%e3%83%aa%e3%83%bc-%e3%82%a2%e3%83%b3%e3%82%ba-2\/\">\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u306e\u30c8\u30e9\u30b9\u30c8\u30d0\u30f3\u30af<\/a> \u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u306e\u500b\u4eba\u5411\u3051\u9280\u884c\u5e02\u5834\u30671\u5e74\u8db3\u3089\u305a\u306712%\u3092\u7372\u5f97\u3057\u3001\u9867\u5ba2\u306e70%\u306f\u7d39\u4ecb\u3092\u901a\u3058\u3066\u7372\u5f97\u3057\u305f\u3002 <a href=\"https:\/\/www.moneythor.com\/jp\/%e3%82%b1%e3%83%bc%e3%82%b9%e3%82%b9%e3%82%bf%e3%83%87%e3%82%a3\/%e5%8d%83%e8%91%89%e9%8a%80%e8%a1%8c%e3%81%ae%e3%82%b1%e3%83%bc%e3%82%b9%e3%82%b9%e3%82%bf%e3%83%87%e3%82%a3-%e3%83%87%e3%82%a3%e3%83%bc%e3%83%97%e3%83%90%e3%83%b3%e3%82%ad%e3%83%b3%e3%82%b0\/\">\u5343\u8449\u9280\u884c<\/a>, \u30ad\u30e3\u30f3\u30da\u30fc\u30f3\u30e1\u30c3\u30bb\u30fc\u30b8\u3092\u958b\u5c01\u3057\u305f\u30e6\u30fc\u30b6\u30fc\u306e\u3046\u3061\u300179%\u4eba\u304c\u6700\u5f8c\u307e\u3067\u30ad\u30e3\u30f3\u30da\u30fc\u30f3\u3092\u5b8c\u4e86\u3057\u307e\u3057\u305f\u3002\u8abf\u67fb\u306b\u3088\u308b\u3068\u3001\u3053\u306e\u3088\u3046\u306a\u6700\u65b0\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u3001\u30b3\u30a2\u30d0\u30f3\u30ad\u30f3\u30b0\u30a4\u30f3\u30d5\u30e9\u3092\u7f6e\u304d\u63db\u3048\u308b\u3053\u3068\u306a\u304f\u6a5f\u80fd\u3092\u8ffd\u52a0\u3059\u308b\u305f\u3081\u306b\u3001API\u30d9\u30fc\u30b9\u306e\u7d71\u5408\u3092\u4f7f\u7528\u3057\u3066\u3044\u307e\u3059\u3002.<\/p>\n<h2>\u7121\u6599\u306e\u30a8\u30b0\u30bc\u30af\u30c6\u30a3\u30d6\u30b5\u30de\u30ea\u30fc\u3092\u5165\u624b<\/h2>\n<p><em>\u30ae\u30e3\u30c3\u30d7\u3092\u57cb\u3081\u308b\uff1a\u30ea\u30c6\u30fc\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u306b\u304a\u3051\u308b\u9867\u5ba2\u306e\u671f\u5f85\u3001AI\u6226\u7565\u3001\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3<\/em> sets out what retail banking leaders told Moneythor and <a href=\"https:\/\/www.fintechfutures.com\/retail-banking\/white-paper-closing-the-gap-between-customer-expectations-ai-strategy-and-personalisation-in-retail-banking\">FinTech Futures<\/a> about engagement, personalisation, and AI, and where the distance between ambition and delivery currently sits.<\/p>\n<a href=\"https:\/\/campaign.moneythor.com\/l\/1058383\/2026-08-24\/43nwbk\/1058383\/1787563959CRc4sGjJ\/Whitepaper_Fintech_Futures___Closing_the_Gap_Exec_Summary.pdf\" target=\"https:\/\/www.moneythor.com\/customer-engagement-digital-banking-frost-sullivan\/#contact-form\" class=\"button primary is-primary is-medium\"  >\n\t\t<span>\u7121\u6599\u30c0\u30a6\u30f3\u30ed\u30fc\u30c9<\/span>\n\t<\/a>","protected":false},"excerpt":{"rendered":"<p>Somewhere over the past few years, the argument about personalised engagement in retail banking quietly stopped being an argument. Asked what will separate the successful banks over the next three years, the leaders who took part in the research Moneythor conducted with FinTech Futures put digital speed and convenience first, on 39%, with personalised engagement close behind at 20%. Competitive pricing and fees, which for most of the industry&#8217;s history would have led a list like that without much difficulty, came third on 16%. Nor is this an industry sitting on its conclusions. Banks in the study are launching an average of sixteen personalised engagement initiatives a year, and taking [&#8230;]\n","protected":false},"author":26,"featured_media":10205,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[279],"tags":[],"class_list":["post-10391","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bank Customer Engagement: The Timing Problem | Moneythor<\/title>\n<meta name=\"description\" content=\"Research from Moneythor and FinTech Futures on bank customer engagement: why personalisation widened faster than it quickened. 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